Comprehensive documentation, policy interpretation, and claim negotiation after fire and smoke losses.


Fire & Smoke Damage Insurance Claims in Utah

Licensed Utah Public Adjusters Representing Policyholders — Not Insurance Companies

Fire & Smoke Damage Claims Are Often Underpaid

Fire and smoke damage often extends far beyond what is immediately visible. Smoke infiltration, soot contamination, structural damage, and code upgrades can significantly increase repair costs.


Insurance companies frequently underestimate fire losses by limiting the scope of damage, applying depreciation aggressively, or overlooking secondary damage. Without experienced representation, many Utah property owners accept settlements that do not fully reflect the true cost of repairs.


Optivus Claim Solutions helps property owners throughout Utah navigate fire and smoke damage insurance claims with licensed, policyholder-focused representation.

Hidden smoke and soot damage

Disputes over repair scope

Code upgrade coverage issues

Depreciation reduces settlements

Delays in claim handling

Common Fire & Smoke Damage Claim Challenges

How We Help With Fire & Smoke Damage Claims

Thorough Damage Documentation

We identify and document all covered fire, smoke, and related damage — including areas commonly overlooked.

Policy Interpretation

We review your insurance policy to identify applicable coverages, limitations, and endorsements.

Detailed Repair Estimates

We prepare comprehensive estimates aligned with industry standards and policy requirements.

Direct Negotiation With the Insurer

We communicate and negotiate directly with the insurance company to pursue a fair settlement based on the full scope of loss.

When Should You Call a Public Adjuster?

After a residential or commercial fire

If the claim process feels overwhelming

When smoke damage appears widespread

When the insurer’s estimate feels too low

Our Fire Damage Claims Process

01

Step 1 – Free Claim Review

We review your policy and loss to determine whether professional representation may benefit your claim.

02

Step 2 – Documentation & Claim Management

We document damages, prepare estimates, and manage all insurer communication.

03

Step 3 – Negotiation & Resolution

We negotiate on your behalf to pursue an accurate and fair settlement.

Serving Utah Property Owners After Fire Losses

Optivus Claims Solutions represents residential and commercial property owners throughout Utah. We are licensed in the State of Utah and work exclusively for policyholders — never insurance companies.


Every fire damage claim is unique, and we approach each case with detailed attention, transparency, and ethical advocacy.

A free claim review can help you understand your options.

Get Help With Your Fire & Smoke Damage Claim

No obligation
Confidential consultation

Serving property owners across Utah